KS lenders / Community Bank
The Baxter State Bank
Community Bank · Baxter Springs, KS · Baxter Bancshares Inc
- Total assets
- $25.0M
- CRE loan book
- $1.0M
- QoQ CRE growth
- -6.6%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.92% as of Q1 2026 — TX bank median 4.87% (2.06pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.92% | 7.56% |
| Q4 2025 | 6.79% | 7.51% |
| Q3 2025 | 6.78% | 7.58% |
| Q2 2025 | 6.75% | 7.57% |
| Q1 2025 | 6.43% | 7.26% |
| Q4 2024 | 6.68% | 7.61% |
| Q3 2024 | 6.49% | 7.43% |
| Q2 2024 | 6.51% | 7.37% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $1.0M | $641,000 | $0 | 20% | $0 |
| Q4 2025 | $1.1M | $634,000 | $0 | 22% | $0 |
| Q3 2025 | $1.5M | $992,000 | $0 | 27% | $0 |
| Q2 2025 | $1.5M | $971,000 | $0 | 27% | $0 |
| Q1 2025 | $1.3M | $734,000 | $0 | 23% | $0 |
| Q4 2024 | $1.3M | $713,000 | $0 | 24% | $0 |
| Q3 2024 | $1.3M | $706,000 | $0 | 24% | $0 |
| Q2 2024 | $1.3M | $675,000 | $0 | 24% | $0 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Peoples State Bank of ColfaxCommunity Bank · Colfax · $1.0M CRE book
- The First State BankCommunity Bank · Ness City · $1.0M CRE book
- First State Bank of Van OrinCommunity Bank · Van Orin · $1.1M CRE book
- Fairview State Banking CompanyCommunity Bank · Fairview · $1.1M CRE book
- The Donley County State BankCommunity Bank · Clarendon · $981,000 CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.